持牌支付机构
按大区排列的支付机构，附所持牌照与获授权的国家 / 地区。依据监管机构公开名录整理——供对照参考，不是完整登记册。
40 个司法辖区 · 105 项牌照制度 · 57 家监管机构 · 46 家持牌机构
整理自监管机构公开信息 — 监管机构官网
North America
11Federal and state licensing in the US, Canada and Mexico.
- Block (Square)Merchant acquiring and Cash App, licensed state by state and in each international market.MTLMSBEMIAFSL持牌地United StatesCanadaUnited KingdomAustraliaJapanEuropean Union / EEA搜索相关报道
- CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore搜索相关报道
- CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia搜索相关报道
- FiservMerchant acquiring and issuer processing at scale.MTLEMI持牌地United StatesUnited KingdomEuropean Union / EEA搜索相关报道
- MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI持牌地United StatesUnited KingdomAustraliaSingapore搜索相关报道
- NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia搜索相关报道
- PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia搜索相关报道
- PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore搜索相关报道
- RemitlyDigital remittance with money transmitter licences in its send markets.MSBMTLAPIEMIAFSL持牌地United StatesCanadaUnited KingdomAustralia搜索相关报道
- RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore搜索相关报道
- StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan搜索相关报道
Europe
8EU/EEA passporting regimes, the UK, Switzerland and the EEA satellites.
- AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP持牌地European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates搜索相关报道
- Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan搜索相关报道
- GoCardlessBank payments and open banking with licences in Europe, Australia and the US.EMIAPIAFSLMTL持牌地United KingdomAustraliaUnited StatesEuropean Union / EEA搜索相关报道
- KlarnaBuy-now-pay-later backed by a Swedish banking licence.BankingEMI持牌地European Union / EEAUnited KingdomUnited StatesAustralia搜索相关报道
- PaysafeWallets and processing under UK and EU e-money licences plus US registrations.EMIAPIMTLMSB持牌地United KingdomUnited StatesCanadaEuropean Union / EEA搜索相关报道
- PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico搜索相关报道
- RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia搜索相关报道
- WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia搜索相关报道
Asia-Pacific
3From MAS and HKMA to the RBI, BI and the mainland payment licence.
- AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB持牌地AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)搜索相关报道
- NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia搜索相关报道
- ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL持牌地SingaporeUnited KingdomUnited States搜索相关报道
Middle East
1CBUAE, SAMA and the Gulf fintech hubs, plus Israel and Türkiye.
- RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI持牌地United KingdomIsraelUnited StatesSingaporeMexicoBrazil搜索相关报道
Africa
1Mobile money and PSP licensing from Nigeria to Kenya and South Africa.
- FlutterwaveAfrican payments infrastructure with licences across the continent and in the UK/US.PSSPMMOPSPEMIMSB持牌地NigeriaKenyaGhanaSouth AfricaEgyptUnited KingdomUnited StatesCanada搜索相关报道
牌照缩写速查名录里会出现的缩写。
- EMI
- Electronic Money Institution
Issue e-money and hold user funds; passports across the EEA under EMD2. - PI
- Payment Institution
Provide payment services without issuing e-money; passports across the EEA under PSD2. - API / SPI
- Authorised / Small Payment Institution
The UK's full and light payment licences. - AISP / PISP
- Account Information / Payment Initiation Service Provider
Open-banking roles under PSD2. - MSB
- Money Services Business
US and Canadian federal registration for money transmission and currency dealing. - MTL
- Money Transmitter Licence
US state-by-state licence to transmit money. - MPI / SPI
- Major / Standard Payment Institution
Singapore's two payment tiers under the Payment Services Act. - SVF
- Stored Value Facility
Hong Kong's licence for prepaid wallets and stored value. - MSO
- Money Service Operator
Hong Kong Customs & Excise licence for remittance and/or money changing. - PPI
- Prepaid Payment Instrument issuer
India's licence to issue prepaid instruments. - PA / PA-CB
- Payment Aggregator / Cross-border
India's merchant aggregation authorisations. - MMO
- Mobile Money Operator
Nigeria's licence to issue e-money and run wallets. - IFPE
- Institución de Fondos de Pago Electrónico
Mexico's e-money licence under the Fintech Law. - IP
- Instituição de Pagamento
Brazil's payment institution authorisation. - CASP
- Crypto-Asset Service Provider
MiCA authorisation for crypto-asset services in the EU. - PJP
- Penyelenggara Jasa Pembayaran
Indonesia's payment service provider licence.
这是一份人工整理的参考名录，不是法律意见，也不保证穷举。使用前请以监管机构公布的口径为准。